Great thanks for the clarification! My advisor took the RMD's, but I don't have any 1099-R for 2019 from TD Ameritrade nor do I think I will receive any as far as I can tell since they were taken late in 2020 to rectify the mistake. I am using the online version - so I will need to print it out and file the form with the letter of explanation with it. I am assuming that in the end where you finalize everything there is an option to "print and mail" rather than e-file. Assuming this....where does Form 5329 and statement of explanation go in the the huge stack of tax papers? Very front? Very back? I want them to SEE it or put it in its proper place. I couldn't really find any information on this.
